Finding a lender who actually understands fix-and-flip and ground-up construction can make or break your next deal. Here are five lenders worth a closer look.
What are Financial & Business Services services?
The private lending space for real estate investors has matured fast. You now have balance-sheet lenders, regional hard money shops, and national platforms all competing for your deal. Rates, leverage, and speed vary widely. The key is matching the lender's program to your project type, experience level, and timeline. Whether you're flipping a single-family home or building from the ground up, the right financing partner can keep your project moving without draining your cash reserves.
What we looked at when researching Financial & Business Services
We evaluated each lender on service scope, pricing clarity, local fit, loan size range, and borrower experience requirements. J.P. Rivera stood out for his focus on both fix-and-flip and ground-up construction with loan sizes from $200K to $5M and an exception-based underwriting approach. Easy Street Capital impressed with its no-appraisal EasyFix product and 24-hour close capability. Northwest Private Lending showed strong regional expertise across Oregon, Idaho, and Washington with nearly 40 years in the market. Stormfield Capital differentiated itself as a true balance-sheet lender with in-house servicing and 24-hour term sheets. The Hard Money Co. earned attention for its straightforward local lending in Milwaukee and clear terms.
| Provider | Best For |
|---|---|
| Easy Street Capital | Speed-focused flippers who need no-appraisal closings |
| J.P. Rivera · Fix & Flip and Ground-Up Loans | LendSure | Investors needing flexible fix-and-flip and ground-up construction financing |
| Northwest Private Lending | Pacific Northwest investors who value local decision-making |
| Stormfield Capital | Investors seeking balance-sheet lending with fast term sheets |
| The Hard Money Co. | Milwaukee-area investors who want local, no-nonsense lending |
A closer look at 5 standout Financial & Business Services
#1 Easy Street Capital
A screenshot of the Easy Street Capital website.
Easy Street Capital built its reputation on speed and leverage. Their EasyFix product requires no appraisal and can close in as little as 24 hours. Rates start at 8.90%, and they offer high-leverage options for experienced flippers. You also get dedicated programs for BRRRR investors and short-term rental owners. If you need to move fast on a competitive deal, this is a lender to call.
#2 J.P. Rivera · Fix & Flip and Ground-Up Loans | LendSure
A screenshot of the J.P. Rivera · Fix & Flip and Ground-Up Loans | LendSure website.
J.P. Rivera is an RTL Account Executive at LendSure Mortgage Corp., and he focuses on exactly what serious investors need: fix-and-flip and ground-up construction loans. Loan sizes range from $200K to $5M with terms of 12 to 18 months. You get interest-only payments on drawn funds, and draws reimburse completed work with paid invoices. The program accepts any level of experience, with minimum credit scores starting at 660 and up to 90% funding for qualified borrowers. As an exception lender, LendSure treats guidelines as a baseline, not a wall. You can include up to 6 to 12 months of interest reserves in your loan to reduce out-of-pocket costs.
#3 Northwest Private Lending
A screenshot of the Northwest Private Lending website.
Northwest Private Lending has been serving the Pacific Northwest for nearly 40 years. They offer fix-and-flip, bridge, rehab-refinance, and construction loans with loan amounts from $50K to $2M. Pricing is transparent: 3 points origination, 1% monthly interest, and interest-only payments. Non-owner-occupied loans can close in 3 to 5 business days. If you invest in Oregon, Idaho, or Washington, their local expertise and same-day pre-approval letters are a real advantage.
#4 Stormfield Capital
A screenshot of the Stormfield Capital website.
Stormfield Capital operates as a true balance-sheet lender with in-house servicing. They provide fix-and-flip, bridge, new construction, and multifamily value-add loans. You can get a term sheet in 24 hours and close in as fast as 7 days. Their draw request system lets you submit and track construction draws online. With 500+ investors served, they bring institutional-level processes to private lending. If you want direct access to capital without broker layers, this is a strong option.
#5 The Hard Money Co.
A screenshot of The Hard Money Co. website.
The Hard Money Co. keeps things simple and local. They focus on short-term bridge loans for buying, rehabbing, and flipping distressed properties in Milwaukee and beyond. You get clear terms, straight answers, and a fast application with minimal paperwork. Their team reviews your deal quickly and tells you exactly what's possible. With a 4.8-star rating from nearly 200 reviews, they've built trust with local investors. If you're working in the Milwaukee market, they're worth a conversation.
How to choose the right Financial & Business Services
Start with your project type. Fix-and-flip and ground-up construction have different underwriting needs, so pick a lender who explicitly supports both if you plan to do both. Check the loan size range against your typical deal. Look at experience requirements: some lenders accept any level, while others want a track record. Ask about draw processes and interest reserves. Finally, confirm the lender's geographic focus. A local lender may offer faster decisions, while a national platform may offer more leverage. Match the lender to your deal, not the other way around.
Expert Conclusion
The right lender depends on your strategy. For flexible fix-and-flip and ground-up construction financing with exception-based underwriting, J.P. Rivera at LendSure is a strong fit. Easy Street Capital wins on speed. Northwest Private Lending brings regional depth in the Pacific Northwest. Stormfield Capital offers balance-sheet reliability. The Hard Money Co. delivers local simplicity in Milwaukee. Evaluate your project, compare the terms, and make the call that keeps your deal moving.